Senior Associate, Cyber and Digital Risk Management
Santander
AWSAzureCloudCyber Security
Senior Credit Risk Analyst
UNICRED
full-time
Posted on:
Location Type: Hybrid
Location: 🇧🇷 Brazil
Visit company websiteJob Level
Senior
Tech Stack
PythonSQL
About the role
- Specify rules and strategies for automated credit approval and maintenance for individuals and corporate customers (pre-approved credit);
- Work in partnership with the modeling team, using statistical models (application, behavior, expected loss, assumed income/revenue, among others) to formulate credit strategies;
- Conduct threshold analysis and backtesting of new models to optimize the portfolio risk/return relationship;
- Monitor approval, delinquency, expected loss, model quality and other indicators, addressing root causes when deviations from known or budgeted levels are observed;
- Present new strategies, studies, indicators and alerts related to credit strategies in executive forums;
- Provide excellent service, deliver technical consulting and conduct training for affiliated cooperatives.
Requirements
- Experience working with mass-market credit strategies;
- Degree in Business Administration, Accounting, Economics, Statistics, Engineering, or related fields;
- Advanced programming skills, especially Python and SQL.
Benefits
- Profit-sharing (PPR);
- Meal and food allowance;
- Private pension plan with company contribution;
- Life insurance;
- Medical and dental plan (employee and dependents);
- Childcare subsidy (nursery/babysitter);
- Home office / hybrid work allowance;
- Gympass;
- English Pass;
- Zenklub (emotional and mental well-being platform) - extendable to dependents;
- Birthday day off;
- Day off on children's birthdays;
- Extended parental leave;
- No dress code.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
PythonSQLstatistical modelsthreshold analysisbacktestingportfolio risk/return optimizationcredit strategiesdata analysistechnical consultingtraining
Soft skills
excellent servicecommunicationpresentationcollaborationproblem-solving
